Chapter 500 Ponzi Scheme
In fact, the Ponzi scheme is nothing new.

As early as 1920, the Ponzi scheme created by Ponzi, the founder of the Ponzi scheme, was exposed to the public.

In short, a Ponzi scheme takes advantage of customers' greed and attracts deposits and investments at interest rates far higher than the market rate.

Afterwards, they maintained the scam as long as possible. The method was not complicated. They used the new deposits they had just absorbed to pay the high interest of previous customers until it completely collapsed.

Since then, they are still active all over the world, but they appear in people's eyes in improved and mutated forms.

Those who are more advanced in their play hide it in the financial industry, such as stocks, futures, etc., are all hardest hit.

It is essentially a fraudulent investment scam that promises investors high returns and low risk. The scam brings returns to early investors by acquiring new investors, but eventually collapses when there is an influx of new investors and insufficient funds.

Its characteristics are good effect, long duration, sustainable harvesting, and most importantly, it is not illegal.

Others who are more rudimentary follow the method of Ponzi, the founder of the Ponzi scheme, and simply and crudely apply the pyramid template to commit fraud.

However, Lin Hao does not have enough funds to play high-end games for the time being, so he can only play high-return investment games.

They promise investors through banks an annual profit of 20%, 50%, or even higher, and then trick everyone into investing through the banks. They then use the money invested by later investors to pay interest to those in front.

Since the people in front have received interest, those who are impulsive will increase their investment, while those who are not impulsive will also feel relieved because, after all, they have received the interest.

Then, people kept coming to give money, and when the money reached a certain level, they would just take the money and leave!

This is also the reason why Lin Hao wants to control Kawagoe Ryoma and Nakamura Yasutoshi.

One is the branch manager of the bank, and the other is a bank employee. These are the people people trust the most, especially in this "simple" era, the islanders' trust in banks is absolute.

Lin Hao had already thought it through. He planned to get a large sum of money directly and then send his two clones to go to Korea to continue the work. However, it seemed that Korea didn't have much money in the 1960s.

If that doesn't work, then we can go to the Eagle Sauce side. It doesn't matter even if they get caught. They don't have any relatives and they are Japanese. Lin Hao can abandon them at any time!
After Lin Hao arranged their respective tasks, Kawagoe Ryoma and Nakamura Yasutoshi left directly, preparing to work hard tomorrow.

After the two left, Ayumi Fukada bit her lower lip and walked towards Lin Hao in small steps. With only a few steps between them, her clothes became less and less.

When she came in front of Lin Hao, if it weren't for the black stockings hanging on her legs, she would have been considered naked.

"Lin Sang, I feel sore all over now. Can you give me a massage to clear the pain?"

"Of course, I'd be happy to!" Lin Hao raised his eyebrows and said.

Then Lin Hao squatted slightly, then hugged her hips and lifted them up, and Ayumi Fukada's two long legs instantly clasped her where they should be clasped.

Ayumi Fukada is 175 cm tall, which is a very rare height in the island country!

I have to say, this girl's charming face and young and hot body are indeed very attractive, especially when she hooked her hands around Lin Hao's neck and took the initiative to kiss him.

Afterwards, the two began to get to know each other more deeply, and a fierce physical confrontation occurred. In the end, Ayumi Fukada was defeated by Lin Hao's inhuman physical fitness.

Looking at Ayumi Fukada lying on him obediently, Lin Hao said calmly:
"Ayumi, the plan will start in two days. Are you ready?"

"Hmm~!" Ayumi Fukada replied lazily.

"From now on, how far you can go depends on your own ability!" Then Lin Hao said:
"If possible, it would be better to bring in more senior executives!"

Seeing that Fukada Ayumi was a little absent-minded, he asked:

"what happened to you?"

Ayumi Fukada looked at Lin Hao affectionately and said:

"In fact, I am no longer obsessed with the position at the Sankoujing Bank headquarters. I just want to follow you now. As long as I follow you, that's all!"

Ayumi Fukada's sudden confession reminded Lin Hao of the time when he first found her. Lin Hao discovered that she was not willing to be just a secretary, but wanted to go further and become a strong woman.

In this era, feminism is on the rise in the island nation. As we all know, when the entire movement was just emerging, it was quite inspiring.

Most of them want to fight for their rights through their own efforts. Therefore, many educated women are unwilling to be trapped at home.

They all want to find a job to support themselves, gain a foothold in society and gain recognition from others.

When it developed to the 1980s and 1990s, especially on the eve of the bursting of the island nation bubble, feminism evolved in another deformed direction, eventually completing materialism and relying on others.

For example, women generally have several full-time friends, some of whom are responsible for running errands, some for paying the bill after meals, some for sending gifts on holidays, some for repairing computers, some for repairing sewers, and so on!
It is said that the most people have is 28 such friends. If you don't have three or five such friends around you, you would be too embarrassed to go out and see people.

Of course, it is now in the budding stage, and everyone wants to strive through their own efforts, and Ayumi Fukada is such a person.

Seeing that Lin Hao didn't say anything, Ayumi Fukada thought that Lin Hao was angry, and her expectant expression became a little depressed.

Lin Hao smiled upon seeing this, and then promised:
"Sure, after this matter is over, I'll open a company for you to run!"

Originally, Ayumi Fukada was just a secretary at Sankoui Bank, and Lin Hao came there only as a commercial spy.

Once Lin Hao's Ponzi scheme starts to work, it's only a matter of time before this simple financial scam goes bankrupt.
However, Lin Hao was not prepared to bear the responsibility himself. He must get out of it in time and find a scapegoat to take the responsibility, and this scapegoat was Sankoujing Bank.

But Sankoui Bank will definitely not take all the responsibilities for no reason, and the purpose of Ayumi Fukada's existence is to help Lin Hao guide Sankoui Bank into the game and take all the blame.

In the future, Ayumi Fukada will act as a savior, help Mitsukoshi Bank stop its losses, and then rise to a senior position.

The reason why Lin Hao agreed was not simply because he was attracted by her beauty, but mainly because it did not conflict with Lin Hao's arrangements.

In addition, Lin Hao felt that Fukada Ayumi was indeed a capable person. It would be a pity and a waste of talent if she was simply treated as a commercial spy.

Moreover, Lin Hao was willing to give her a chance. After all, people who had been influenced by hive consciousness were actually more loyal than others.

"Really?" Seeing Lin Hao nod affirmatively, Fukada Ayumi said in disbelief: "That's great!"

In excitement, Ayumi Fukada slowly rode on Lin Hao, and then began to act like a tyrant, punishing Lin Hao for the whole night...!
three days later

At this point, the preparations have been completed, Lin Hao has the right time, place and people, and his plan is about to begin.

The island nation's economy is booming, and although its financial system is still incomplete, a Ponzi scheme does not need to rely on the stock market or anything like that, it only needs to rely on the investment market.

In this era, the investment market is controlled by banks.

Depositors put their money in the bank and get 3% interest every year, while the bank invests the money and gets 5% interest every year.

The 2% of this is the money earned by the bank. It is a capital-free business because the principal is provided by others. The window guidance model of the island country's banks simply means that you have to issue as many loans as the central bank allows you to issue.

The same was true in our country in the 1980s.

In order to ensure authenticity and reliability, Lin Hao directly contacted Yukisaburo Tsukamoto to package his TV factory.

Then Lin Hao placed a huge order for finished televisions from his company in Hong Kong to Yukisaburo Tsukamoto's factory.

This is why Lin Hao asked him to ensure the quality and quantity and work hard to produce televisions.

As a result, Kosaburo Tsukamoto's television factory became a high-quality factory.

However, since Kozaburo Tsukamoto's factory was not large, he would need a loan if he wanted to expand his business.

So Yukisaburo Tsukamoto followed the normal procedures and applied for a loan from Mitsukoshi Bank to expand production. Since the procedures were complete, the loan was successfully approved.

But the problem is that after the bank's evaluation, although the loan interest rate given was only 5% per month, the loan amount given was too small and was not enough to expand the scale.

So, Nakamura Yasutoshi, a bank employee, began to look for some wealthy depositors and revealed this matter to them.

He also said that the factory needed a larger loan amount and was even willing to raise the monthly interest rate to 10%.

A monthly interest rate of 10% is an astonishing rate. In a year, that is a 120% interest rate, which is even faster than robbing money.

So, smart and wealthy people came and invested in three-month periods.

So far, there has been no violation of regulations in this transaction, and all procedures are reasonable and legal. It is just a normal investment.

However, after obtaining the loan, Yukisaburo Tsukamoto did not place an order for a television production line with the manufacturer.

Instead, all the televisions produced previously were sent to Lin Hao’s Eternal Star Company in Hong Kong Island.

However, the unexpected surprise was that Yu Guangxu quickly sold the television order placed by Lin Hao's company to various parts of Hong Kong Island at a low price through the original sales channels.

As a result, the products were sold out in less than a month, so the money was immediately collected and another large order for televisions was placed.

So in the second month, the factory took out 10% interest from the transaction and prepared to return it all to the investor.

The rich people who had tasted the sweetness in the first month, seeing that the company's televisions were selling so well, of course were reluctant to withdraw their capital.

Some people will naturally choose to continue investing and some may reduce their holdings, but it doesn’t matter because some people have already reaped the dividends, so more people will join in this time.

Then in the second month, the refund will be made again.

By the third month, it was still returned on time.

As soon as the total profit of 30% in three months was taken out, everyone who knew about it went crazy. Who wouldn’t go crazy with such a high interest rate?

However, the second quarter investment has begun, and now settlement is required every three months.

And there was a limit on the amount, so 200 million yen were bought up in an instant. You have to know that this was the 1970s, when the yen was appreciating day and night, and the purchasing power of the yen was enormous.

But this is not the end, it is just the appetizer!

So in the second quarter, because of the successful case, Yukisaburo Tsukamoto once again proposed a development plan of 10 billion yen with a monthly interest rate of 10%.

It was also bought out by enthusiastic investors, and in the face of such enthusiastic investors, Nakamura Yasutoshi's second project team was brought out.

However, this is a fake new company, and it continues to repeat the above process, using the money from the second project to pay for the profits of the first project.

Then three months later, the second project started quarterly settlement again.

However, at this time, Lin Hao’s first TV project with a physical factory no longer sought loans.

Because the capital pool at this time has already completed self-circulation, and the TV factory has also successfully completed production expansion, it only needs to develop according to normal company development.

Therefore, the TV factory also prepared to terminate the loan to avoid being implicated in future financial crises.

Later, Nakamura Yasutoshi developed a third project on a larger scale. Since the previous two projects had been a huge success, no one thought it was a fake project.

Therefore, these investors don't have to think about it at all and just join the game of passing the parcel.

As a result, all investment projects have become idle games, waiting only for investors to invest their capital.

After that, each time the settlement is made, the money from the next project will be used to settle the profits of the previous project, but the investment pool must continue to be expanded each time.

Over and over again...!
To be honest, when Lin Hao looked at those people holding money and wanting to invest with red eyes, he felt an inexplicable sense of satisfaction in his heart for some reason.

Lin Hao's methods are very cruel. This game will reap the wealth of many islanders. They may just become rich and then be completely reaped.

But does Lin Hao care about these islanders?

Lin Hao said that it was impossible. After all, he was not an islander, so why should he be responsible for the islanders?

However, Lin Hao still wants to continue developing in the island country, because the island country will be in a period of super-fast development in the next ten years or so, and Lin Hao just happened to catch this ride.

Otherwise, Lin Hao would dare to directly offer a monthly interest rate of 30% or even 50%, and then drain the pond to catch all the fish in one go.

However, Lin Hao found that in the next few years, many major international events will happen in the island country, and there will be plenty of opportunities to make a lot of money.

Therefore, Lin Hao needs to wait and see, and then reap the fruits of his labor. There is no need to exhaust the resources to reap the rewards.

In the 1980s and 1990s, Lin Hao directly privatized a factory and then moved the factory to Hong Kong Island for vigorous development.

All of this has to be planned in advance. After all, it's an island country. By the 1980s, their structure will be complete and you won't even be qualified to enter.

Because you don’t have a bank!

Without banks to coordinate, all industries would be in disarray.

Lin Hao's original plan was to get the money from the island country and then immediately go to Korea and the United States to get it again.

After harvesting all the money from the island country, he would use the money to set up a bank of his own, and then use the bank as the foundation to carry out diversified expansion.

(End of this chapter)